At Pacific Financial, we believe everyone deserves a chance to achieve their financial goals, even if traditional banks have turned you away. That’s where our non-QM (Non-Qualified Mortgage) loans come in, offering a wide range of flexible solutions to help you qualify for the financing you need.

Unlock More Opportunities with Non-QM Loans

Unlike conventional loans, non-QM loans open the door to more ways to qualify. Whether you’re self-employed, have fluctuating income, or faced credit challenges in the past, we have alternative methods to help you secure the financing you deserve.

Alternative Documentation Options

You don’t need perfect credit or a flawless financial history to work with us. We consider various forms of documentation, including:

1. Bank Statements: Show your ability to manage your finances over time.
2. Paystubs: Provide proof of steady income.
3. 1099s: Demonstrate your earnings as an independent contractor.
4. Accounting Statements: Reflect your overall financial health.

Why Choose Us?

When traditional banks say no, we try and find a way to say yes because we understand that every financial situation is unique. Our team is dedicated to finding the right loan product that fits your needs, helping you move forward with confidence.